Consumer peer-to-peer lending companies revolutionize traditional finance by directly connecting borrowers with individual or institutional investors. These platforms simplify the loan process, offering personal loans, business financing, and investment opportunities through technology-enhanced solutions. As the industry grows, more individuals are adopting these services, recognizing the potential for better interest rates and accessible credit alternatives. Interestingly, this sector’s increase in regulatory scrutiny is shaping its future operations, reinforcing investor and consumer trust. Innovations like automated risk assessment and streamlined mobile applications are forecasting an even more user-centric evolution, aligning with consumer preferences for quick and convenient financial solutions.

This listing features 23 notable consumer peer-to-peer lending companies, varying in size from small startups to larger firms. Headquartered across several global locations, including the USA, Indonesia, and India, these companies were founded between 2005 and 2019. They focus on specialized markets such as SME financing, personal loans, and investment platforms. Each company plays a unique role in connecting borrowers with investors, building a collection of services that meet different financial needs through modern technology and consumer-friendly practices.

Read on to discover the top consumer peer-to-peer lending companies.

Top 23 Consumer Peer To Peer Lending Companies

1. Prosper Marketplace

• Website: prosper.com
• Ownership type: Venture Capital
• Headquarters: San Francisco, California, United States (USA)
• Employee distribution: United States (USA) 96%, Other 4%
• Latest funding: Other (Debt), $75.0M, November 2022
• Founded year: 2005
• Headcount: 201-500
• LinkedIn: prosper-marketplace

Prosper Marketplace, Inc. is a financial services company based in San Francisco, California, that specializes in peer-to-peer lending. Established in 2005, Prosper was the first platform of its kind in the United States, paving the way for a new approach to personal finance. The company offers a range of financial products, including personal loans, credit cards, and home equity loans, aimed at enhancing the financial well-being of consumers. Prosper connects borrowers directly with investors, allowing individuals and institutions to fund loans while providing borrowers with access to necessary capital. Over the years, Prosper has facilitated more than $28 billion in loans to over 2 million customers, showcasing its significant impact in the industry. The company has also received substantial funding, with its latest round totaling $75 million in November 2022, reflecting continued investor interest and support for its business model. Prosper is committed to providing tools and resources that promote financial literacy and wellness, further solidifying its role in the peer-to-peer lending sector.

2. Investree

• Website: investree.id
• Ownership type: Corporate
• Headquarters: South Jakarta, Jakarta, Indonesia
• Employee distribution: Indonesia 98%, Other 2%
• Latest funding: Series D, $230.8M, October 2023
• Founded year: 2015
• Headcount: 201-500
• LinkedIn: investree

Investree, officially known as PT Investree Radhika Jaya, is a financial technology firm based in South Jakarta, Indonesia. Founded in 2015, the company has established itself as a significant player in the peer-to-peer lending market. It primarily connects small and medium enterprises (SMEs) with individual and institutional lenders seeking attractive returns on their investments. Investree aims to enhance financial inclusion in Indonesia by providing accessible funding solutions tailored to the needs of SMEs. The platform has facilitated a substantial volume of loans, with a reported total loan disbursal of approximately Rp 14.53 trillion since its inception. In October 2023, Investree secured a Series D funding round, raising over Rp 230 billion, which underscores its growth trajectory and investor confidence in its business model. The company operates under the supervision of Indonesia's Financial Services Authority (OJK), ensuring compliance with regulatory standards in the fintech sector.

3. Afluenta

• Website: afluenta.com
• Ownership type: Venture Capital
• Headquarters: Buenos Aires, Buenos Aires, Argentina
• Employee distribution: Argentina 85%, Peru 11%, Mexico 4%
• Latest funding: Series C, $3.5M, May 2019
• Founded year: 2010
• Headcount: 51-200
• LinkedIn: afluenta

Afluenta is a financial services company based in Buenos Aires, Argentina, specializing in peer-to-peer lending and investment. Established in 2010, Afluenta connects individuals seeking personal loans with investors looking for attractive returns. The platform operates entirely online, facilitating loans and investments without the need for traditional banking intermediaries. This approach allows Afluenta to offer competitive rates and greater accessibility for its users. The company is registered with the Central Bank of Argentina as a provider of credit services between individuals, which underscores its legitimacy in the financial sector. Afluenta has successfully raised $3.5 million in a Series C funding round in May 2019, reflecting strong investor interest. With over 28,711 loans granted and a total credit amount exceeding $2.6 billion, Afluenta has made a significant impact in the peer-to-peer lending market, particularly in Argentina, Peru, and Mexico.

4. SoLo Funds

• Website: solofunds.com
• Ownership type: Venture Capital
• Headquarters: Los Angeles, California, United States (USA)
• Employee distribution: United States (USA) 95%, Brazil 5%
• Latest funding: March 2023
• Founded year: 2018
• Headcount: 51-200
• LinkedIn: solo-funds

SoLo Funds, founded in 2018 and based in Los Angeles, California, is a financial services platform that enables peer-to-peer lending and borrowing among its community members. The company aims to provide quick and fair financial assistance, particularly to individuals from underserved communities. Users can lend money, borrow on their own terms, and manage their finances through the SoLo Wallet. The platform has gained traction with over 2 million downloads and has facilitated more than 1.4 million loan disbursements. SoLo Funds emphasizes transparency and simplicity in its operations, allowing borrowers to set their own terms without the burden of hidden fees or compound interest. The company is also notable for being the only black-led financial services Certified B Corporation in the US and Canada, reflecting its commitment to social impact and community support.

5. RupeeCircle

• Website: rupeecircle.com
• Ownership type: Venture Capital
• Headquarters: New Delhi, Delhi, India
• Employee distribution: India 100%
• Latest funding: Seed, April 2019
• Founded year: 2017
• Headcount: 51-200
• LinkedIn: rupeecircle

RupeeCircle is a financial services company based in New Delhi, India, specializing in peer-to-peer lending. Established in 2017, the company aims to create a marketplace that connects responsible borrowers with investors, facilitating access to quality credit at competitive interest rates. RupeeCircle offers a tech-enabled platform that simplifies the borrowing and investing process, ensuring a seamless experience for users. The company has disbursed loans amounting to over ₹917 million and boasts an average annual return of 25% for investors, with a low loss rate of 1.07%. RupeeCircle's commitment to customer service and rigorous credit risk management further enhances its appeal in the peer-to-peer lending sector. The company operates under a valid registration from the Reserve Bank of India, ensuring compliance with regulatory standards. RupeeCircle continues to focus on expanding its user base and enhancing its offerings in the financial services industry.

6. Fintopia Indonesia

• Website: easycash.id
• Ownership type: Private
• Headquarters: South Jakarta, Jakarta, Indonesia
• Employee distribution: Indonesia 100%
• Founded year: 2017
• Headcount: 501-1000
• LinkedIn: pt-indonesia-easycash-technology

Fintopia Indonesia, known through its platform Easycash, was founded in 2017 and is based in South Jakarta, Jakarta, Indonesia. The company operates as a peer-to-peer lending service, facilitating direct connections between borrowers and lenders via an online platform. Easycash emphasizes transparency and efficiency in its loan services, which are designed to meet the needs of individual consumers and businesses alike. The platform is licensed and supervised by the Financial Services Authority (OJK), ensuring compliance with local regulations. With over 6.7 million total accumulated borrowers and nearly 1.4 million active borrowers, Easycash has established a significant presence in the Indonesian lending market. The company also boasts a total of IDR 57.85 trillion in loans disbursed since its inception, reflecting its operational scale and impact in the financial sector.

7. Asetku

• Website: asetku.co.id
• Ownership type: Private
• Headquarters: South Jakarta, Jakarta, Indonesia
• Employee distribution: Indonesia 100%
• Founded year: 2017
• Headcount: 51-200
• LinkedIn: asetku

Asetku, officially known as PT Pintar Inovasi Digital, is a peer-to-peer lending platform based in South Jakarta, Indonesia. Founded in 2017, Asetku aims to provide individuals with quick access to loans through a fully digital process. The platform connects borrowers in need of funds with lenders looking to invest, offering a streamlined application process and direct fund disbursement upon approval. Asetku emphasizes transparency, with no hidden fees and competitive interest rates capped at 0.3%. The company is regulated by the OJK, ensuring compliance with local financial regulations. Despite its operational framework and user-friendly approach, Asetku has not reported any funding or active loan disbursements, which raises questions about its market presence and growth trajectory.

8. PT Indonesia Fintopia Technology

• Website: geteasycash.asia
• Ownership type: Private
• Headquarters: Jakarta, Jakarta, Indonesia
• Founded year: 2015
• Headcount: 201-500
• LinkedIn: pt-indonesia-easycash-technology

PT Indonesia Fintopia Technology, founded in 2015 and based in Jakarta, operates the peer-to-peer lending platform Easycash. This platform facilitates financial transactions by connecting lenders with borrowers, catering to both individual and business clients. Easycash is licensed and regulated by the Financial Services Authority, ensuring that it adheres to the necessary legal frameworks for financial operations. The company emphasizes the importance of understanding the risks associated with lending and borrowing, which is critical in the peer-to-peer lending space. With a workforce of approximately 98 employees, PT Indonesia Fintopia Technology demonstrates a commitment to growth and compliance within the fintech industry. Their involvement in initiatives like the Fintech Lending Days highlights their active role in promoting financial literacy and engagement within the community.

9. Lendbox

• Website: lendbox.in
• Ownership type: Venture Capital
• Headquarters: New Delhi, Delhi, India
• Employee distribution: India 100%
• Latest funding: Series A, $1.5M, March 2021
• Founded year: 2015
• Headcount: 11-50
• LinkedIn: lendbox

Lendbox, officially known as Transactree Technologies Pvt Ltd, is a peer-to-peer lending platform based in New Delhi, India. Established in 2015, Lendbox aims to modernize the lending industry by connecting borrowers with lenders directly. The platform offers a variety of loan products, including personal loans, marriage loans, and debt consolidation loans, catering to individual consumers in need of accessible credit solutions. Lendbox received its NBFC-P2P license from the Reserve Bank of India in 2018, which underscores its commitment to regulatory compliance and operational integrity. The company has raised funding, with its last round being a Series A of $1.5 million in March 2021, reflecting its growth potential and the trust of investors. Lendbox focuses on providing high-quality lending options with competitive returns for lenders, utilizing technology to enhance the lending experience and ensure a robust credit assessment process.

10. Zonky

• Website: zonky.cz
• Ownership type: Private
• Headquarters: Prague, Prague, Czech Republic
• Employee distribution: Czech Republic 100%
• Founded year: 2015
• Headcount: 51-200
• LinkedIn: zonky

Zonky, established in 2015 and based in Prague, Czech Republic, is a private financial services company specializing in personal loans and peer-to-peer lending. The company offers a range of loan products tailored to consumer needs, including loans for various purposes such as home improvements and debt consolidation. Zonky also features an investment platform called Zonky Rentiér, which allows individuals to invest in loans and earn returns. This platform is designed to provide a straightforward and accessible way for investors to engage in peer-to-peer lending. Zonky operates exclusively in the Czech market and has garnered a reputation for responsible lending practices, receiving accolades for its ethical approach. The company has successfully attracted over 100,000 clients, indicating its relevance and impact in the consumer lending space.

11. Twino

• Website: twino.eu
• Ownership type: Private
• Headquarters: Riga, Riga, Latvia
• Employee distribution: Latvia 51%, Georgia 30%, Russia 15%, Other 5%
• Founded year: 2015
• Headcount: 11-50
• LinkedIn: twino

Twino, founded in 2015 and based in Riga, Latvia, is an investment platform that specializes in consumer and business loans, as well as real estate securities. The company has played a significant role in the growth of peer-to-peer lending in Europe, having originated over €1 billion in unsecured loans since its launch. Twino's platform allows individual investors to access investment opportunities that were once limited to wealthier individuals. The company is regulated by Latvijas Banka, ensuring compliance with EU financial regulations and investor protection rules. With a focus on technology-driven solutions, Twino offers features like an Auto-invest tool, enabling investors to automate their investment strategies based on personal criteria. The platform has attracted around 58,000 registered investors, reflecting its relevance in the investment community.

12. Niwodai

• Website: niwodai.com
• Ownership type: Venture Capital
• Headquarters: Shanghai, Shanghai, China
• Employee distribution: China 100%
• Latest funding: Series C, June 2014
• Founded year: 2011
• Headcount: 1001-5000
• LinkedIn: %e4%bd%a0%e6%88%91%e8%b4%b7

Niwodai, founded in 2011 and based in Shanghai, is a financial services company that operates an online lending platform. The platform connects borrowers, primarily small businesses and individual consumers, with lenders seeking investment opportunities. Niwodai leverages technology to streamline transactions and enhance user experience, making it easier for users to access financing solutions. The company has built a reputation in the Chinese market, serving a wide range of clients across various provinces and cities. With a workforce of over 800 employees, Niwodai has positioned itself as a significant player in the peer-to-peer lending sector, focusing on providing efficient and transparent financial services. The company has not reported any funding since its Series C round in June 2014, which may impact its future growth prospects.

13. yotepresto.com

• Website: yotepresto.com
• Ownership type: Venture Capital
• Headquarters: Guadalajara, Jalisco, Mexico
• Employee distribution: Mexico 100%
• Latest funding: Seed, January 2020
• Founded year: 2014
• Headcount: 11-50
• LinkedIn: yotepresto-com

Yotepresto.com, founded in 2014 and based in Guadalajara, Jalisco, Mexico, is a financial services company specializing in personal loans and peer-to-peer lending. The platform connects individuals seeking loans with investors looking to earn returns on their investments. Operating entirely online, Yotepresto streamlines the borrowing and lending process, allowing users to request loans of up to $400,000 or invest starting from $200. The company has registered over 3 million users and has facilitated more than 3 billion pesos in loans. Yotepresto offers competitive interest rates, starting at 8.9%, and boasts a high repayment rate among borrowers, with 96.6% paying on time. As a regulated entity under Mexican financial law, Yotepresto is committed to transparency and responsible lending practices, making it a significant player in the peer-to-peer lending space in Mexico.

14. PT Satustop Finansial Solusi (Sanders)

• Website: sanders.co.id
• Ownership type: Private
• Headquarters: Bandung, West Java, Indonesia
• Employee distribution: Indonesia 100%
• Founded year: 2017
• Headcount: 11-50
• LinkedIn: sanders-one-stop-solution

PT Satustop Finansial Solusi, commonly known as Sanders, is a financial services company established in 2017 and located in Bandung, West Java, Indonesia. The firm specializes in peer-to-peer lending, facilitating connections between individual lenders and borrowers seeking financial assistance for personal or business needs. Sanders prides itself on providing a user-friendly platform that simplifies the lending process. The company employs an automated risk assessment system to evaluate borrowers, ensuring that lenders can make informed decisions. With a minimum investment requirement of Rp 300,000, Sanders allows individuals and institutions, both domestic and international, to participate in lending. The platform has reported a high level of borrower activity, with thousands of loans disbursed since its inception. Sanders is registered and regulated by the OJK, which oversees its operations to ensure compliance with financial regulations. This regulatory framework enhances the trustworthiness of the platform, making it a viable option for consumers looking for peer-to-peer lending solutions.

15. SAVY.lt

• Website: gosavy.com
• Ownership type: Venture Capital
• Headquarters: Vilnius, Vilnius, Lithuania
• Employee distribution: Lithuania 94%, United Kingdom (UK) 6%
• Latest funding: Seed, April 2015
• Founded year: 2014
• Headcount: 11-50
• LinkedIn: savy-lt

SAVY.lt, established in 2014 and based in Vilnius, Lithuania, operates as a peer-to-peer lending platform that connects borrowers with lenders. The company offers a variety of financial products, including consumer loans, refinancing options, and loans designated for specific purposes such as home improvement, education, and medical services. With a workforce of 34 employees, SAVY focuses on providing accessible financing solutions to both individual consumers and businesses through its online platform. The company has facilitated the issuance of over 114 million euros in loans, demonstrating its active role in the lending market. SAVY is committed to responsible lending practices and is regulated by the Bank of Lithuania, ensuring a level of oversight and trust in its operations. The platform aims to foster a healthy financial environment by promoting open discussions about money management and responsible borrowing.

16. Modalku

• Website: modalku.co.id
• Ownership type: Venture Capital
• Headquarters: West Jakarta, Jakarta, Indonesia
• Employee distribution: Indonesia 100%
• Latest funding: Other (Debt), $38.7M, September 2023
• Founded year: 2016
• Headcount: 201-500
• LinkedIn: modalku

Modalku, officially known as PT Mitrausaha Indonesia Grup, is a financial services company based in West Jakarta, Indonesia. Founded in 2016, Modalku operates a digital platform that specializes in peer-to-peer lending, primarily targeting small and medium enterprises (UMKM). The company connects investors looking to fund businesses with those seeking loans, thereby enhancing access to capital for growth and operational needs. Modalku has facilitated over 100,000 investors and supported around 50,000 UMKM, showcasing its significant impact in the sector. The company has recently secured funding of approximately $38.7 million in September 2023, reflecting continued investor confidence in its business model. Modalku is regulated by the OJK, ensuring that it adheres to the necessary legal and operational standards in the financial services industry.

17. LiquiLoans

• Website: liquiloans.com
• Ownership type: Private Equity
• Headquarters: Mumbai, Maharashtra, India
• Employee distribution: India 100%
• Latest funding: $10.0M, September 2022
• Founded year: 2018
• Headcount: 201-500
• LinkedIn: liquiloans

LiquiLoans (NDX P2P Private Limited) is a peer-to-peer lending platform based in Mumbai, Maharashtra, India. Founded in 2018 by Achal Mittal and Gautam Adukia, the company aims to revolutionize the lending process by directly connecting borrowers with lenders. This approach not only reduces the costs associated with traditional banking but also enhances the investment potential for lenders. LiquiLoans operates within the financial services sector, providing a secure and efficient platform for individuals seeking loans and investment opportunities. The company has garnered attention for its innovative model and has received funding from notable investors, including Matrix Partners, which has a history of backing successful startups. LiquiLoans emphasizes strong borrower verification processes, ensuring that loans are extended to creditworthy individuals, thereby minimizing risk for lenders. With a focus on transparency and customer satisfaction, LiquiLoans is positioned as a significant player in the peer-to-peer lending industry in India.

18. PT Kuaikuai Tech Indonesia (Pinjam Yuk)

• Website: pinjamyuk.co.id
• Ownership type: Private
• Headquarters: West Jakarta, Jakarta, Indonesia
• Employee distribution: Indonesia 100%
• Founded year: 2018
• Headcount: 51-200
• LinkedIn: pt-kuaikuai-tech-indonesia

PT Kuaikuai Tech Indonesia, operating under the brand Pinjam Yuk, is a peer-to-peer lending platform based in West Jakarta, Indonesia. Founded in 2018, the company specializes in providing quick and secure loan services to individuals seeking financial assistance. The platform allows users to apply for loans easily through a digital interface, catering to those who require flexible loan options without collateral. Pinjam Yuk has served over 1.9 million borrowers, facilitating a total loan disbursement of IDR 14.8 trillion. The company emphasizes a commitment to user data confidentiality and adheres to regulatory standards set by the Otoritas Jasa Keuangan, ensuring a secure lending environment. With a workforce of approximately 83 employees, Pinjam Yuk is focused on enhancing financial accessibility for consumers across Indonesia.

19. Finzy

• Website: finzy.com
• Ownership type: Venture Capital
• Headquarters: Bengaluru, Karnataka, India
• Employee distribution: India 100%
• Latest funding: Convertible note, $2.0M, November 2021
• Founded year: 2016
• Headcount: 51-200
• LinkedIn: finzy

Finzy, officially known as Bridge Fintech Solutions Private Limited, is a Bengaluru-based peer-to-peer lending platform established in 2016. The company specializes in connecting borrowers seeking personal unsecured loans with lenders looking for investment opportunities. Finzy prides itself on a quick and straightforward loan application process, allowing borrowers to access funds for various needs efficiently. The platform has been recognized for its compliance with regulatory standards set by the Reserve Bank of India, having received its NBFC-P2P certification in 2018. Finzy has also attracted significant venture capital funding, with a reported $2 million raised in November 2021. This funding supports their operations and growth strategies, enhancing their ability to serve both borrowers and lenders effectively. The company emphasizes transparency, security, and a robust credit assessment process, which includes evaluating borrowers on multiple parameters beyond just credit scores. This approach aims to broaden access to loans for a wider range of consumers while providing lenders with opportunities to earn competitive returns on their investments.

20. Rupiah Cepat

• Website: rupiahcepat.co.id
• Ownership type: Private
• Headquarters: Jakarta, Jakarta, Indonesia
• Employee distribution: Indonesia 100%
• Founded year: 2018
• Headcount: 501-1000
• LinkedIn: rupiah-cepat

Rupiah Cepat, established in 2018 and based in Jakarta, Indonesia, is an online lending service that provides quick and accessible loans to individuals. The company operates in the financial services sector, facilitating peer-to-peer lending through a digital platform. Customers can utilize this service for urgent financial needs, benefiting from fast approval and disbursement processes. Rupiah Cepat is regulated by the Otoritas Jasa Keuangan, ensuring compliance with local financial regulations. The platform allows users to engage in lending and borrowing activities directly, making it a significant player in the peer-to-peer lending market in Indonesia. With a workforce of around 501-1000 employees, Rupiah Cepat is positioned to meet the growing demand for digital financial solutions in the region.

21. Emcash

• Website: emcash.com.br
• Ownership type: Private
• Headquarters: Belo Horizonte, Minas Gerais, Brazil
• Employee distribution: Brazil 100%
• Founded year: 2019
• Headcount: 51-200
• LinkedIn: emcash

Emcash is a fintech company based in Belo Horizonte, Minas Gerais, Brazil, founded in 2019. It specializes in connecting investors with borrowers through a digital platform, offering personalized financial solutions that include peer-to-peer lending and credit analysis. Emcash operates under the regulatory framework of the Central Bank of Brazil as a Sociedade de Empréstimo entre Pessoas (SEP), which allows it to facilitate loans directly between individuals and businesses. The company aims to democratize access to credit, providing innovative financial solutions that enhance the financial well-being of its users. Emcash has developed a range of lending products, including loans for employees of private companies, working capital loans, and financing for the purchase of goods, real estate, and vehicles. The platform emphasizes a fully digital experience, ensuring that both investors and borrowers can engage in transactions with ease and security.

22. Ivoji

• Website: ivoji.id
• Ownership type: Private
• Headquarters: South Jakarta, Jakarta, Indonesia
• Employee distribution: Indonesia 100%
• Founded year: 2019
• Headcount: 11-50
• LinkedIn: ivoji

Ivoji is a private financial technology company based in South Jakarta, Indonesia, founded in 2019. The company specializes in peer-to-peer lending, providing a digital platform that connects lenders with borrowers. Ivoji offers various loan products, including IVOCASH for daily loans and IVOLOAN for multi-purpose loans, catering to both individual consumers and small businesses. The platform emphasizes legal compliance, safety, and transparency, being registered and supervised by the OJK (Otoritas Jasa Keuangan). Since its establishment, Ivoji has facilitated over 108,000 loans, amounting to more than 238 billion IDR in total funding. This active engagement in the lending market highlights Ivoji's commitment to enhancing financial accessibility in Indonesia.

23. Prestadero

• Website: prestadero.com
• Ownership type: Venture Capital
• Headquarters: Mexico City, Mexico City, Mexico
• Employee distribution: Mexico 100%
• Latest funding: Series B, $670,000, July 2014
• Founded year: 2011
• Headcount: 11-50
• LinkedIn: prestadero

Prestadero is a fintech company based in Mexico City, specializing in peer-to-peer lending and investment services. Established in 2011, the platform connects individual borrowers seeking personal loans with investors looking to earn competitive returns on their funds. Prestadero operates under the regulation of the Comisión Nacional Bancaria y de Valores (CNBV), ensuring a secure and efficient lending process for its users. The company has received funding, with its last reported amount being $670,000 in a Series B round in 2014. This funding has likely supported its growth and operational capabilities in the competitive fintech landscape. Prestadero's model allows investors to earn annual returns ranging from 10.9% to 30.9%, while borrowers benefit from lower interest rates compared to traditional banking options. The platform emphasizes transparency and user experience, making it an attractive option for both borrowers and investors in Mexico.

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